How to use Facebook Messenger payments
- Instant withdrawal fee
- 0%
- Fees to send
- No fees
- Maximum transfer amount (verified)
- $9,999
Summary
Send money to friends and family online.
Facebook Messenger lets you transfer money to friends and family while keeping your card details safe — as long as you know who you're talking to.
Details
Product details
| Product Name | Facebook Messenger |
| Fees to send | No fees |
| Instant withdrawal fee | 0% |
| Free withdrawal speed | Up to 1 business day |
| Payment method | Debit card |
| Ways to receive | Debit card |
| Maximum transfer amount (unverified) | $9,999 |
| Maximum transfer amount (verified) | $9,999 |
| Supported devices | iOS app, Android app |
| Customer support | Phone |
| Supports international transfers? | No |
How do I request and send money through Facebook?
- Create or sign in to your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.
- Add a payment method. From the “Settings” menu, navigate to “Payments” and choose “Account Settings.” From there, you can add a US bank-issued debit card or link your PayPal account. PayPal payments are only available when sending on the Messenger mobile app.
- Start your transfer. Create a new message and click or tap the dollar sign near the bottom right corner. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. Choose which payment method you want to use and then choose “Pay.” You can transfer money between other Facebook users only.
What happens when someone sends or requests money from me?
- You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.
- Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked account. If you deny it, the person who requested the money will receive notification.
- Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.
Is Facebook’s payment system safe?
Facebook encrypts payments and user information to safeguard your money and transaction details. It also requires you to confirm your identity at times, either with personal information or PINs. Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015.
Like other services, Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or paying people you have not met in person.
Tips to keep your finances safe on Facebook
If you decide to use Facebook for managing your money, consider the following tips.
- Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
- Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue without prior discussion. That person’s Messenger account could have been hacked. Make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
- Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, consider using a different app or platform so your information can’t be easily compromised by any single app or website.
Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.
Pros
- Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
- Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.
Cons
- Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
- Businesses can’t use it. Facebook supports personal transactions between family and friends only.
- Only available in select countries. As of this writing, you can only send or receive payments through Facebook if you live in the United States, the United Kingdom or France.
Bottom Line
There are many money transfer apps out there that can help you send funds to a friend or family member in minutes. Facebook’s Messenger makes it convenient to send using a social media website that you might already spend a lot of time on. If you plan to send a lot of money, send money overseas or make regular payments, however, we suggest you compare more money transfer options to find the right one for you.
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Michael
July 20, 2019
Yes some how some money was sent to someone on through that pay thing on fb and I had told the people to decline the offer and after they was told not to accept they went ahead and accepted anyways I’m trying to figure out how to get my money back
Bella Finder
July 20, 2019
Hi Michael,
Thanks for your inquiry.
I’m sorry to hear about this. As soon as you have transferred the payment on Facebook messenger, the money will be taken from your account immediately and once you have sent the money to the recipient, you can no longer cancel it.
However, if this is an online purchase and paid it using Facebook Messenger, you can contact the seller and set an arrangement on how will you get your money back. Just in case the seller didn’t cooperate, you can report the seller to Facebook so they can investigate. You can also ask for a refund by doing these steps.
To request a refund for something you’ve purchased from a Page on Facebook:
1. Click account settings in the top right of your screen and select Settings.
2. Click Payments in the left column.
3. Click the item you want a refund for.
4. Click Contact Seller.
5. Fill out the form and click Send.
I hope this gets resolved soon.
Kind regards,
Bella
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Tramane
May 03, 2019
I am a private music tutor. Can I accept payments from my students for my personal tutoring services through messenger? Please advise.
Mai Finder
May 03, 2019
Hi Tramane,
Thank you for contacting Finder.
If Facebook Messenger payments will be convenient for you, then yes you can use it as a method on how your students can pay for your tutorial.
This page has information on how can you request and send money through Facebook so you will be guided.
Hope this helps! 😊
Kind Regards,
Mai
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Lisa
April 28, 2019
Someone I know used my FB account and connected my debit card to transfer money into their account. How can I find the password, information etc that they used to do this? Is there a way to access the activity they performed?
Mai Finder
April 28, 2019
Hi Lisa,
Thank you for reaching out to Finder.
I’m sorry to hear that your money got stolen via Facebook Messenger payments.You can try to get in touch with Facebook support to check if there is a way on retrieving the information they used to initiate and perform the transfer.
You can see your Facebook payment history by following the below steps:
1. Click in the top right of Facebook and select Settings.
2. Click Payments in the left menu.
3. Click a payment to view your receipt.
Hope this helps and wishing you can get your money back.
Kind Regards,
Mai
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Ingrid
April 19, 2019
Is there a max dollar amount that can be sent through FB Messenger?
Ellie
April 19, 2019
Hi Ingrid,
Thanks for your inquiry.
According to the Facebook Messenger support team, they allow anyone using Facebook Messenger payments to send and receive up to $9,999 within a rolling 30 day period. They do this to help protect you from unauthorized payments activity and to comply with various federal and state laws.
Hope this helps.
Regards,
Ellie
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Zak Killermann Finder
December 03, 2020
Hi James,
Thanks for reaching out.
If the payment isn’t accepted, after 7 days it should automatically be canceled and returned to your wife, according to Facebook. Keep in mind that once canceled it may take an additional 3 – 5 business days for the refund to be processed by your wife’s bank.
I hope this helps.
Regards,
Zak
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